Rates

Deposit Interest Rates

Foreign Exchange Rates

HKD Prime Rate

HIBOR

Deposit Interest Rates

Time Deposit Rate of HKD and foreign currency (As at 08-09-2010 17:27)

Currency	1 Day	1 Week	2 Weeks	1 Month	2 Months	3 Months	6 Months	12 Months
HKD (< $100,000)	0.0100	0.1000	0.1500	0.3500	0.4000	0.4500	0.5500	0.8000
HKD (>= $100,000)	0.0100	0.1000	0.1500	0.4500	0.5000	0.5500	0.6500	0.9000
HKD (>= $500,000)	0.0100	0.1000	0.1500	0.5000	0.5500	0.6000	0.7000	1.0000
USD	0.0100	0.1000	0.1200	0.1500	0.2000	0.2500	0.4500	0.6500
JPY	0.0100	0.0100	0.0100	0.0500	0.1000	0.1000	0.1000	0.1500
GBP	0.0100	0.1000	0.1500	0.2000	0.3000	0.4000	0.6000	0.9000
AUD	2.3750	3.8500	3.9000	4.1000	4.2000	4.2500	4.4500	4.7500
NZD	1.1250	2.5000	2.5500	2.7000	2.8000	2.9500	3.2000	3.5500
CAD	0.1000	0.2000	0.2000	0.4000	0.5000	0.6000	0.8500	1.1500
EUR	0.0100	0.1000	0.1500	0.2000	0.3000	0.4000	0.5500	0.8000
CHF	0.0100	0.0100	0.0100	0.0100	0.0100	0.0150	0.0500	0.1000

Standard Savings Account (Effective since 22-05-2009)

Average Monthly Balance (HKD)	Interest Rate (p.a.)
Any Amount	0.15%

Maxi-Interest Savings Account (Effective since 22-05-2009)

Daily Closing Balance (HKD)	Tiered Interest Rate (p.a.)
100,000 or below	0.20%
Over 100,000	0.15%

• Applicable to account with daily closing balance of HKD3,000 or above.
• Individual tiered deposit rate applies to corresponding range of deposit amount tier.

Wealthy Kid Savings Account (Effective since 22-05-2009)

Daily Closing Balance (HKD)	Tiered Interest Rate (p.a.)
100,000 or below	0.30%
Over 100,000	0.20%

• Applicable to account with daily closing balance of HKD3,000 or above.
• Individual tiered deposit rate applies to corresponding range of deposit amount tier.

Interest-Bearing Current Account (Effective since 22-05-2009)

Daily Closing Balance (HKD)	Tiered Interest Rate (p.a.)
Daily Closing Balance (HKD)	Personal / Joint Account	Corporate Account
50,000 or below	Nil	Nil
Over 50,000 to 100,000	0.10%	Nil
Over 100,000	0.10%	0.05%

• Individual tiered deposit rate applies to corresponding range of deposit amount tier.

Prestige Account (Effective since 22-05-2009)

Current Account		Savings Account
Average Monthly Total Relationship Balance (HKD)	Interest Rate (p.a.)	Average Monthly Balance (HKD)	Interest Rate (p.a.)
Any Amount	0.10%	Any Amount	0.15%

(The above information is for reference only.)

Foreign Exchange Rates (As at 08-09-2010 17:27)

Currency	Buy Rate (TT)	Sell Rate (TT)	Buy Rate (Note)	Sell Rate (Note)
USD	7.7690	7.7790	7.7400	7.7880
JPY	9.2574	9.2774	9.2314	9.2914
GBP	11.9835	12.0195	11.9405	12.0905
AUD	7.1010	7.1160	7.0835	7.1435
NZD	5.5703	5.5853	5.5578	5.6258
CAD	7.3983	7.4163	7.3923	7.5043
EUR	9.8432	9.8732	9.8152	9.8952
CHF	7.6924	7.7124	7.6754	7.7354
SGD	5.7674	5.7924	5.7549	5.8089
THB	24.6607	25.2607	24.1607	25.9607
RMB	114.4245	115.0245	113.9245	115.3245
TWD	N/A	N/A	23.3911	25.2001

(The above information is for reference only.)

HKD Prime Rates (As at 08-09-2010 17:27)

5.250000% p.a.

Last five HKD prime rate change records:

Effective Date	HKD Prime Rate
10-11-2008	5.250000% p.a.
20-03-2008	5.500000% p.a.
01-02-2008	6.000000% p.a.
24-01-2008	6.250000% p.a.
13-12-2007	7.000000% p.a.

(The above information is for reference only.)

HIBOR (As at 08-09-2010 17:27)

Last five HIBOR for 1 month change records:

Effective Date	HIBOR for 1 month
08-09-2010	0.159290%
07-09-2010	0.159290%
06-09-2010	0.159290%
03-09-2010	0.160000%
02-09-2010	0.157140%

Last five HIBOR for 3 month change records:

Effective Date	HIBOR for 3 month
08-09-2010	0.258930%
07-09-2010	0.258930%
06-09-2010	0.258930%
03-09-2010	0.259640%
02-09-2010	0.256790%

Last five HIBOR for 6 month change records:

Effective Date	HIBOR for 6 month
08-09-2010	0.390000%
07-09-2010	0.390000%
06-09-2010	0.390000%
03-09-2010	0.390000%
02-09-2010	0.387140%

(The above information is for reference only.)